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Lender Tables
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Compare Current Eau Claire, Wisconsin Mortgage Rates
Compare Eau Claire, WI mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Eau Claire.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Eau Claire. Plus, shopping lenders is free and there is no obligation.
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Eau Claire, WI Mortgage Rates as of November 27, 2024
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.
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Compare Today's Eau Claire, WI Mortgage Rates
November 27, 2024
Current mortgage rates in Eau Claire, WI are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Eau Claire, WI Rates
National Average
Comparison
30 Year Fixed Rate
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6.670%
15 Year Fixed Rate
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5.960%
5/1 Adjustable Rate Mortgage
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6.250%
How Affordable is Housing in Eau Claire, Wisconsin?
Below we provide helpful information on the real estate market, home prices and housing affordability in Eau Claire. Understand how much you need to earn to afford a home in Eau Claire, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Eau Claire fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Eau Claire is right for you.
The median home value for Eau Claire, WI is $264,931
Based on current mortgage rates and a 10% down payment, you need to make $55,269 per year to buy the median priced home in Eau Claire
With this income, you could qualify for a $238,438 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Eau Claire is $1,280
The median household income for Eau Claire, WI is $63,357
Based on this income, you can afford a home valued at approximately $303,700
The home price you can afford to buy based on household income in Eau Claire is 115% of the median home value which means housing prices are average.
Eau Claire ranks 68 out of 72 counties in Wisconsin and 2,597 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Eau Claire, WI is average
Loan Limits for Eau Claire, Wisconsin
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Eau Claire below.
Conforming loan limits for Eau Claire, WI
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Eau Claire, WI
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Eau Claire, WI
1 unit:$726,200
Additional Mortgage Resources for Eau Claire, WI Residents